Fix your system

nope everythings up to date, like i said it even let me purchase 800, then stopped working

nope i made only 1 purchase of 800 and then i tried to buy 400 and wasnt able to...i already checked with my bank and its not locked or anything for fraud...ive pretty much done every single thing that has been suggested and nothing has worked so microsoft
is clearly fault for this and i would at least like them to acknowledge their mistake and try to fix it

Im getting a message that says cannot authorize the selected payment option...however it let me buy 800 just not the other 400...my bank is also perfectly fine...im in the U.S. and so is everything connected to my account...everything normally works till
yesterday..im also not the only person to have this problem

has it expired lately and you got a new card ? but the number didn't change?

remove the card completely then readd it

my debit card number never changes but it expires lol

Look here: https://account.microsoft.com/security/

You can update your security contact information there with a tab on that page.

Just remember that Microsoft are trying to protect you from unauthorised access to your account rather than harvesting your data. This is very clear in their privacy policy.

Also, finally, I dont know of a way to "expose your voice" via text message.